AnswerLast updated: 2026-09-16By Valentin

Can you get a US business credit card with an EIN only and no SSN?

Short answer

Partly. You can get charge cards from providers like Mercury or Brex with an EIN and no SSN, because they underwrite against your business bank balance rather than personal credit. Traditional revolving credit cards from major banks still require an SSN or ITIN and a personal guarantee.

Charge cards versus credit cards

Most cards advertised as 'EIN only' are charge cards, paid in full each cycle and approved on your connected US business bank balance. That model lets fintech issuers skip the personal credit check, which is how non-residents get approved without an SSN.

Where an ITIN is still needed

A true revolving credit line, which lets you carry a balance, almost always needs a personal guarantee backed by an SSN or ITIN. So an EIN opens charge cards, but an ITIN is what widens access to the revolving cards from traditional banks.

Sources

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Disclaimer: This answer is educational, based on hands-on experience helping founders access the US financial system. It is not legal, tax, or financial advice. Rules and issuer policies change. Consult a US-licensed CPA or attorney before acting.